Parfait si vous avez quelques éléments inexacts affectant votre score ITIN.
$99 frais d'audit unique + $29.99/mois surveillance • Payez uniquement quand le progrès est vérifié
Before a single dispute letter goes out, you get a deep-dive forensic audit of all three bureaus (TransUnion, Equifax, Experian). This isn't a printout from Credit Karma. We're talking a line-by-line teardown of every tradeline, inquiry, collection, public record, and account status — cross-referenced against FCRA §§ 604, 605, 611, 623, FDCPA requirements, and ECOA protections.
📊 $29.99/mo Monitoring Required — Enroll before audit begins
Activate Credit Monitoring →One-Time Audit: $99 | Monitoring: $29.99/mo | Designed for: 1–5 Éléments Négatifs
The heart of the Basic Plan is up to 15 statute-backed dispute letters per month, drafted with precision under FCRA §611 (right to reinvestigation), §623 (furnisher accuracy obligations), and §604 (permissible purpose challenges). These aren't generic templates — each letter is tailored to the specific account, bureau, and legal angle identified in your audit.
You receive a comprehensive monthly progress report detailing every dispute filed, every bureau response received, every item removed or updated, and your score trajectory across all three bureaus. Transparency is non-negotiable here.
Bilingual support (English & Spanish) is included — not an upgrade, not a fee. It's built in because Rick built this for communities that have historically been underserved by an industry that only speaks one language.
The Credit Education Library gives you access to guides, tools, and resources covering credit-building strategies, understanding your rights as an ITIN holder, how to read your credit report, secured card strategies, and more.
Full Compliance Coverage: CROA, FCRA (§§ 604, 605, 611, 623), FDCPA, FCBA, FTC Telemarketing Sales Rule, CFPB guidelines, ECOA/Regulation B (ITIN anti-discrimination protections).
The $99 monthly fee is charged only when verifiable progress is documented — a deletion, a correction, a score increase, or a substantive bureau/creditor response. No progress = no charge. Period.
Creditor negotiations, goodwill letter campaigns, pay-for-delete negotiations, credit-building guidance, identity-theft document handling, mortgage-ready program, rapid rescoring, or VIP concierge access. Those live in Professional and Premium.
Most credit repair companies charge $79–$129/month for similar tier services — but they charge you upfront, lock you into contracts, and send the same boilerplate letters to every client. RJ Business Solutions charges nothing until you see results and tailors every dispute to your specific legal situation.
📊 Enroll in MyFreeScoreNow credit monitoring — activates your tri-bureau data feed
Activate Credit Monitoring →📦 Select your package (Basic, Professional, or Premium) based on your negative items
💳 Pay the one-time audit fee — $99, $149, or $199 depending on your plan
🚀 Within 5 business days — receive your full audit report and roadmap, disputes begin
Sous FCRA, ECOA, CROA, FDCPA — votre ITIN vous donne les mêmes droits que les détenteurs de SSN.
ECOA interdit la discrimination basée sur l'origine nationale.
FCRA exige que les bureaux enquêtent sur les disputes ITIN de la même manière.
Contrat écrit, annulation de 3 jours, pas de frais anticipés.
Les collecteurs ne peuvent pas traiter les dettes ITIN différemment.
Rick Jefferson a fondé RJ Business Solutions avec une mission: s'assurer que chaque détenteur d'ITIN connaisse ses droits de crédit.
Avec une expertise approfondie en FCRA, ECOA et procédures de dispute ITIN, Rick a aidé des milliers de personnes.
"Votre ITIN n'est pas une limitation — c'est votre clé vers le même système de crédit. La loi est de votre côté." — Rick Jefferson
Si nous ne pouvons montrer aucune amélioration en 90 jours, remboursement complet.
Choisissez le plan qui correspond à votre situation.
Entrez vos informations. Vous serez dirigé vers le paiement sécurisé.